Acura ILX Insurance Rates

The best way to find a quality Acura ILX insurance policy is by doing your homework. Nobody ever wants to find themselves wondering why their rates increased, so understanding how insurance rates are calculated for the Acura ILX will provide you with the right foundation you need.

This comprehensive guide will help you on your journey to securing the right Acura ILX insurance policy. You will learn about the size and class of the Acura ILX, how liability rates are determined, safety features of the Acura ILX, the MSRP of the Acura ILX, and general repair estimates.

Once you are ready to start comparing quotes for free, use our online tool to get free quotes from some of the industry’s top providers.

U.S. average insurance prices for an Acura ILX are $1,416 every 12 months including full coverage. Comprehensive costs around $298, collision costs $530, and liability insurance is $430. Buying just liability costs around $486 a year, with insurance for high-risk drivers costing around $3,062. 16-year-old drivers pay the highest rates at $5,298 a year or more.

Average premium for full coverage: $1,416

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different ILX trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Acura ILX insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $815
• Raising to $1,000 deductibles will save about $188 every year
• The average price for the average middle-age driver using $500 deductibles is $1,416
• Buying more expensive low deductibles increases the price to $1,780
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,062 or more
• The price to insure a teen driver with full coverage can be $5,298

View Chart as Image

Insurance prices for an Acura ILX are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $560 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Acura ILX insurance rates. A middle-age driver might find prices as low as $1,090 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,020 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices may be quite different.

How to Shop for the Cheapest Acura ILX Insurance

Getting lower rates on Acura ILX insurance consists of having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a recap of the information covered in the above illustrations.

• You may be able to save up to $170 per year simply by shopping early and online
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $442 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $550 each year
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,650 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay around $470 per year to raise from a low limit to a 250/500 level

Now that you have a better idea of how Acura ILX insurance rates can vary based on the profile of the driver, we are going to examine the profile of the Acura ILX itself. Just as the portrait of the driver makes a difference, the same can be said for the car you drive because no two models are exactly the same.

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How does the size and class of the Acura ILX affect liability rates?

Every insurance policy starts with a basic foundation called liability auto insurance. Every state requires a minimum amount of liability coverage for each registered driver so they can be held responsible for any damages they might cause.

One of the ways liability rates are calculated is by examining the size and class of a particular model and seeing how it stacks up against other similar vehicles.

The Insurance Institute for Highway Safety (IIHS) classifies the Acura ILX  as a small car. Therefore, liability rates for the Acura ILX are calculated based on how well the Acura ILX performs against similar models like the Ford Focus or Honda Civic.

Research from the IIHS shows that the Acura ILX reflects a bodily injury liability loss ratio of -5 percent and a property damage liability loss ratio of -2 percent. Both of these loss percentages mean that the Acura ILX performs better than average for this size and class.

What does liability insurance cost for an Acura ILX?

Bodily injury liability insurance pays for things like medical expenses and lost wages for the other party after an accident that is your fault.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Acura ILX from low to high coverage.

• Low ($25,000): $82.27
• Medium ($50,000): $107.73
• High ($100,000): $125.29

Property damage insurance is the second form of liability coverage you are required to carry. This pays for any damages sustained to the other party’s property, including their vehicle.

Let’s take a look at the following general rates for property damage liability insurance for the Acura ILX based on the level of coverage you wish to receive.

• Low ($25,000): $189.27
• Medium ($50,000): $191.69
• High ($100,000): $190.91

This data suggests that bodily injury rates for the Acura ILX vary much more than property damage rates. Ultimately, it’s your decision as to how much money you want to be insured for in the event of an accident.

What are the safety features and ratings of the Acura ILX?

Equipping a vehicle with functioning safety features is of paramount importance for the driver and passengers inside.

Having working safety features can often be the difference between life and death, and the Acura ILX has plenty to make you feel secure behind the wheel.

Take a look at the following list of safety features for the Acura ILX with information sourced from AutoBlog.com.

• Anti-Lock Brakes
• Stability Control
• Front-Impact Airbags
• Side-Impact Airbags
• Overhead Airbags
• Pretensioners
• Anti-Theft Security

While these Acura ILX safety features will do a lot to keep you safe behind the wheel, insurance rates for the Acura ILX are still tied to every model that belongs to the small car class.

The IIHS reports that out of 7,965,422 registered small cars, a total of 427 deaths have been reported for the class. Broken down, that is a fatality rate of 54 per one million registered drivers who own a vehicle similar to the Acura ILX.

Point of impact also plays a big role in how fatal a crash can turn out to be. Take a look at the following data to see which types of crashes are more fatal than others.

• Frontal Impact: 7,433 deaths  
• Side Impact: 3,568 deaths 
• Rear Impact: 834 deaths
• Other (mostly rollovers): 1,303 deaths

What is the MSRP of the Acura ILX?

The Manufacturer’s Suggested Retail Price (MSRP) is used to determine a fair purchasing price for any particular model.

Kelley Blue Book (KBB) reports that the MSRP for the base-level 2020 Nissan NV200 is $26,925, with a fair market value range between $22,570 to $25,269.

If you wish to protect your Acura ILX, you will need to purchase full coverage. Two of the most basic forms of full insurance coverage are called collision and comprehensive insurance.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

The best way to find out if full coverage on the Acura ILX is by examining the model’s loss percentages. Data reported from the IIHS suggests that the Acura ILX has a collision loss ratio of 3 percent and a comprehensive loss ratio of -14 percent.

How much will it cost to repair my Acura ILX?

If you want your Acura ILX to remain in good-driving condition, keeping up with regularly scheduled maintenance appointments and repairing parts is absolutely necessary.

Some years might be more expensive than others but when you combine them together, experts from RepairPal report that the annual cost of maintenance for the Acura ILX is $435.

In the event that your vehicle needs new parts, some of the Acura ILX’s components are more expensive than others. Take a look at the following general quotes from YourMechanic.com that shows how much vehicle maintenance costs on the Acura ILX.

• Strut Assembly Replacement: $463
• Brake Caliper Replacement: $304
• Axle / Shaft Assembly Replacement: $295
• Spark Plug Replacement: $283
• Control Arm Assembly Replacement: $272
• Drive Belt Tensioner Replacement: $221
• Car Battery Replacement: $206
• Oil Pressure Sensor Replacement: $112

We have gone into a lot of detail about how Acura ILX insurance rates are determined by both the profile of the driver and the car. Is there anything we might have missed that you would like to know more about? If not, use our free online tool to start comparing quotes today.